Fundsmith Equity ISA

Good to know: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2024. Low-cost online dealing from £1.50.  Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk

Good to know: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk. *HL will refund their annual account charge – no questions asked.

Good to know: With an HL Junior Stocks and Shares ISA, you can choose investments for your child including UK and overseas shares, Investment trusts, bonds and exchange-traded funds (ETFs). HL have over 1 million clients who trust them for their investments. Capital at risk

Good to know: ii offer a flat fee service which over time could save you money compared to platform providers who charge on the value of investments held. ii offer ready made funds including their ethical funds which allows you to invest in line with your principles covering environmental, social and governance factors. Capital at Risk

Good to know: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £1.50.  Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk

Important: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Good to know: Online trading charges based on previous month’s activity. 20+ trades made in previous month is £5.95 a trade. 10-19 trades are £8.95 a trade. Less than 10 trades it’s £11.95. Get Access to live prices. Easy set up – Buy & sell shares in minutes! Capital at risk. *HL will refund their annual account charge – no questions asked.

A low cost way of looking for capital growth by tracking the 100 most capitalised mature companies listed on the London Stock Exchange. The ongoing charge of the fund is a super low 0.06%.

Why we like it: The Hargreaves Multi Manager High Income fund aims to deliver a high monthly income to clients by blending different types of funds and moving between different areas of the market when more attractive opportunities emerge. HL also aim to grow this income payment over time and therefore may invest in higher risk smaller companies they believe offer great potential for long term capital growth.

Tracks shares in companies that demonstrate good environmental, social and governance efforts and are incorporated or headquartered or which have their principal business activities in the UK.

Why we like it: A low cost way of  looking for capital growth by tracking the capital performance of the FTSE USA Index. This fund may be suitable for investors looking for growth by tracking the US stock market as represented by the index.

Low cost technology fund with a competitive 0.70% ongoing annual charge. A low cost way of investing in shares of global companies engaged in information technology activities, as represented by the FTSE World Technology Index. The fund has significant holdings in Apple and Microsoft.

A super low cost FTSE 100 tracker ETF fund with a 0.07% pa annual charge. The product has a record of tracking its benchmark to a high degree of accuracy and scored ahead of rivals on this measure.

Low cost FTSE 250 tracker with a 0.10% pa annual charge. This Fund seeks to track the performance of the FTSE 250 Index, a widely recognised benchmark of mid cap sized companies of the United Kingdom.

The iShares Physical Gold ETC seeks to track the day-to-day movement of the price of gold, less fees, by holding gold bullion. The gold bullion backs the securities issued and is valued daily at the London PM fix price. The gold bullion is held as allocated gold bars with the custodian, JPMorgan. State Street acts as the Trustee. iShares Physical ETCs are exchange traded commodities and are neither funds nor exchange traded funds.

A low cost FTSE 100 tracker with a 0.07% pa annual charge. Tracks the 100 largest listed companies in the UK.  A low cost way to invest in this area of the market.

Low cost tracker with a 0.09% pa annual charge. Provides exposure to the FTSE 100 index of the largest companies listed on the London Stock Exchange at a highly competitive price.

Why we like it: If you are looking for a high income yield this fund is suitable for long term investors drawing regular income from their portfolios. With a focus on high yield bonds and shares, the fund manager is an experienced bond investor who has a flexible approach to seeking out the best income opportunities.

Why we like it: JP Morgan Asset management is one of the worlds largest and best known brands in investment management. The aim of this fund is to achieve high and rising income by investing globally primarily in equities in any economic sector whilst participating in long term capital growth.

Why we like it: Getting paid a regular income is a priority for many investors. Whether you’re in retirement, or want to boost your existing income, an equity income fund could be right for you. Even if you do not need income now, you can opt to reinvest it to boost capital growth. An emphasis on dividends and dividend growth makes this fund a more traditional UK equity income fund, in our view, so it could help form the foundation of an income portfolio.

Why we like it: A fund with a conservative approach to bond investing. The focus is on quality companies that are in good financial health and generate enough cash to keep paying bondholders. Aims to provide a relatively steady income and a small amount of growth, without taking excessive risks. It could help diversify a portfolio focused on shares, or be used as a way to limit volatility during tougher times for stock and bond markets.

Super low annual management charge of 0.1%. Great way to spread risk across a wide range of shares. The fund invests in companies including Apple, Microsoft, Amazon and Tesla.

WisdomTree Physical Gold (PHAU) is designed to offer access to the gold market. The fund is backed by physical allocated gold held by HSBC Bank plc (the custodian). Only metal that conforms with the London Bullion Market Association’s (LBMA) rules for Good Delivery can be accepted by the custodian. Each physical bar is segregated, individually identified and allocated.

This is a low cost FTSE 350 tracker fund with a 0.16% pa annual charge. The aim of the Fund is to seek to achieve capital growth for investors by tracking closely the performance of the FTSE 350 Index.

Scottish Mortgage Investment Trust is a popular fund which invests on a global basis. Stocks are carefully selected for their strong growth prospects. The trust aims to outperform world stock market indices over a five year rolling period. The managers see themselves as owners of companies rather than renters of stocks. The largest holdings include Tesla and Amazon.

Investment trust providing exposure to global healthcare companies with an 1.16% ongoing charge. In order to achieve its investment objective, the Company invests worldwide in a diversified portfolio of shares in pharmaceutical and biotechnology companies and related securities in the healthcare sector.

Good to know: Easy to setup in a matter of minutes. Start with as little as £25 pm & save up to £4,000 pa. Wide choice of stock market linked investments, or can be retained in cash. Simple annual platform fee of 0.45%. Other charges may apply. Hargreaves Lansdown are regulated by the FCA and are covered by the FSCS. Capital at Risk

The mining sector is benefiting from the world’s most compelling long-term trends from digital transformation, to the sustainability agenda, to gold and precious metals. Targeting income and capital growth, this investment trust provides a diversified blend of companies designed to benefit from the changing global economy.

Good to know: Start from £25 pm & save up to £4,000 pa. Wide choice of stock market linked investments or utilize investment ideas. Simple annual management fee of 0.25%. Deal from £1.50 & never pay more than £5.00 per online deal. AJ Bell are regulated by the FCA & are covered by the FSCS. AJ Bell do not offer advice. Capital at risk

Good to know: The ‘no-hassle’ option – just choose your fund and how much to invest. That’s it. They do everything else from there, including managing and rebalancing the fund whenever they think it’s necessary.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Why we like it: This fund works on a “best ideas” basis with 40 to 50 company holdings. The fund applies both negative and positive screening. There is also a focus on long-term themes and trends such as infrastructure and changing demographics. The fund has reasonable ongoing charges of 0.76% pa for an actively managed fund.

One of the cheapest world equity exchange-traded funds available makes this a great way for investors to generate performance in line with the world’s major stock markets. This ETF seeks to track the performance of the MSCI World index, comprised mainly of large companies from 23 developed markets. Ongoing charges are 0.2%.

This ETF fund invests in a portfolio of equity securities. The ETF aims to provide investment returns that closely track the performance of the NYSE Arca Gold Miners Index (GDMNTR). NYSE Arca Gold Miners Index is a pure-play, global index that tracks the performance of the largest publicly-traded companies worldwide primarily involved in the mining for gold and silver.

This ETF fund MVIS Global Junior Gold Miners Index is a pure-play, global index, tracking the performance of the most liquid junior companies in the global gold and silver mining industry that generate or intend to generate at least 50% of their revenues from this sector.

The Invesco Physical Gold P-ETC aims to provide the performance of the spot gold price through certificates collateralised with gold bullion. The base currency is USD.

This investment trust aims generate above average returns for Shareholders primarily through the capital appreciation of its investments. The Company will target equity investments in precious metals, including gold, silver, platinum, palladium and in diamonds.

In seeking to achieve its investment objective, this fund will invest at least 70% of its total assets in the equity securities (e.g. shares) and equity-related investments (i.e. other investments whose value is related to equities) of companies related to or involved in gold mining, commodities and precious metals.

This is a low cost S&P 500 tracker fund with a 0.07% pa annual charge. The Fund aims to track closely the performance of the 500 largest companies (i.e. companies with large market capitalisation) within the United States market.

A low cost index tracker fund with an ongoing charge of 0.30% pa provides investors with exposure to the largest companies in China that make up the index.

A low cost FTSE 250 tracker with a 0.12% pa annual charge. Tracks the 250 largest listed companies in the UK.  A low cost way to invest in this area of the market.

Why we like it: This fund works on a “best ideas” basis with 40 to 50 company holdings. The fund applies both negative and positive screening. There is also a focus on long-term themes and trends such as infrastructure and changing demographics. The fund has reasonable ongoing charges of 0.76% pa for an actively managed fund.

Why we like it: Launched in 2002 Impax Environmental Markets is one of the UK’s largest environmental focused investment trusts which aims to enable investors to benefit from growth of more efficient delivery of services such as energy, water and waste.

Why we like it: The fund manager seeks to identify profitable and well managed businesses that make a positive impact on society operating in markets that offer attractive structural growth opportunities.

Invests in up to 50 global companies. The funds largest exposure is to the health care sector (35%), while its top 10 holdings include Tesla, Alphabet, and Taiwan Semiconductor Manufacturing Company. Investments will be made in companies addressing critical challenges in areas such as, but not limited to; education, social inclusion, healthcare and the environment.

A low cost technology ETF tracker fund with an ongoing annual charge of 0.25%. Provides diversified exposure to global developed market equities that are constituent members of the MSCI World Index and part of the Information Technologies sector.

Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest

Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days lost interest

Why we like it: A low cost way of looking for capital growth by tracking the shares of middle and large companies by capitalisation across all economic sectors in developed and advanced emerging markets (excluding the UK) as represented by the index.